LazyPay: Loan App & Pay Later

496K reviews
Content rating
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About this app

India’s credit super-app for Instant loans, BNPL, Utility bills and more

Get credit that’s easy, instant and stress-free. With LazyPay, you get a free credit upto Rs.10,000 that you can use across 45,000+ online stores and merchants! Just repay the total every 15 or 30 days, interest-free.

Here’s what you can do on LazyPay:

For personal loans, XpressLoan option allows you to borrow upto Rs 5 lakhs. Get online loans within minutes and use them for anything you want - no questions asked. Instant Personal loan interest rates range from 15% to 32% p.a. Its repayment flexibility spans 3 to 24 months.

With our instant personal loan, which complies with RBI guidelines, you can conveniently settle bills, recharge your mobile, and shop for the latest electronics and home appliances. Simplify your financial needs and relationships with us!

What does LazyPay offer?

Your search for the ultimate loan app for Instant Loans and Flexible EMIs ends here! LazyPay offers financial solutions at the palm of our hand that include -

⚡XpressLoan: Instant Personal Loans: With our app, you can instantly borrow a credit up to Rs. 5 lakhs through the XpressLoan option. The interest rates are competitive, and you only pay interest on the amount you borrow.

XpressLoan by LazyPay app ranges from Rs. 3,000 to Rs. 5 lakhs with an Annual Repayment Period (APR) of 3 to 60 months. Percentage rate (APR) between 15% - 32% on a reducing balance basis.

★Sample Loan EMI Calculation★

For a loan amount = Rs 10,000 | Tenure = 6 months @ interest rate of 18%* p.a.
EMI will be = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
*Interest rate and processing fee may vary.


Revolve rates - 36% to 42%. For Revolve there is no period for repayment. It's a monthly rolling feature.

Convert to EMI - 3 month 24% | 6 month 26% Tenure basis - 3 to 6 months.

🛒Buy Now Pay Later: Shopping online with pay later apps is always convenient. With BillPay by LazyPay, you can shop at 100+ merchants and choose the "Pay Later" option at checkout. It supports over 20,000+ billers in categories such as electricity, water, gas line, gas cylinder, DTH, FASTag, landline, internet, and many more. Just provide some basic information and get your credit limit checked. LazyPay will remind you regularly, and you can track your spending and make fast repayments.

★ Get attractive discounts and offers on various merchants like Swiggy, Zomato, Myntra, Zepto and more.

No-Cost EMI: Enjoy shopping at your favourite online stores like Flipkart and Amazon with no-cost or low-cost EMIs. No need for a credit card or worry about high-interest rates. Sign up, choose your preferred store, and apply for 3 to 12 months of EMI offers.

🔌BillPay: Pay Utility Bills
[Currently open to select users]

With over 20,000+ supported billers, LazyPay allows you to pay utility bills with your credit limit. Pay electricity, gas, water bills in one-click; recharge FASTag, mobile postpaid, mobile prepaid, landline, DTH and more. Repay in one shot, along with your LazyPay dues, every 15 or 30 days.

Why should you choose LazyPay?

• Best Pay Later App with flexible EMI tenures
• Shop on EMI with 45000+ stores
• Collateral-Free Personal Loan
• No CVVs or PINs
• 100% digital process with no paperwork
• Instant loan approval and disbursal

Choosing a reliable loan app like LazyPay comes with another significant benefit – you only pay interest on the amount you borrow. This unique feature grants you the freedom to take exactly what you need, reducing the burden of unnecessary interest expenses.


LazyPay is a platform that only facilitates money lending to duly registered NBFCs to users and complies with all applicable laws including RBI’s Fair Practices code. The details of the registered NBFCs who are partnered with us are mentioned below.

PayU Finance India Private Limited (“PayU Finance”)
Updated on
Jul 11, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

493K reviews
14 14
November 2, 2021
Used this service for over a year. Never missed a payment. I have an excellent credit score. but I didn't like the fact that they kept adding 18rs everyday as a late payment fee on a due amount of just 500rs especially when I was going thru a hard time. and the late fee was supposed to be 10rs when I first used the app. There is no customer service to reach out to for your grievances. Uninstalling.
12 people found this review helpful
PayU Finance (India) Private Limited
November 3, 2021
Hi 14 14, This is definitely not the experience we want you to have. We'd like to understand the issue and help you with it. Please write us at so our support team will address you further.
Ragavendra Jegadeesan
July 22, 2024
My fav app for being lazy , crazy , hazy n whatnotzy!! Simple, fast, convenient, cute n cuddlesome n awesome!! Calls are a headeache if I don't pay but still I don't mind paying late fees 'as a totally satisfied customer I always get what I want'!! Ok picked that line from titanic but lazypay is my fav mode of payment for movies on bookmyshow n food on swiggy it's like 'easy money' for 15 days ok I'm gonna be honest this line is picked from Terminator 2! Believe!Persevere! Strive!Achieve - RJ
Srivathsaa Yalwar (TSR)